By law, all credit repair companies must provide you with this notice from the F.T.C. before they let you sign up. Most companies do not do this and simply hide it on some later page of their website.
Although our service is guaranteed, we want you to know that you have every right to do everything we do on your own. See the notice below and let us know when you are ready to start by clicking on "CONTINUE".
A message from the Federal Trade Commission
You have the right to dispute inaccurate information on your credit report by contacting the credit agency directly. However, neither you nor any “credit repair” company or credit repair organization have the right to have accurate, current and verifiable information removed from your credit report. The credit agency must remove accurate and negative information from your report only if you are over 7 years old. Bankruptcy information can be reported for 10 years.
You have the right to obtain a copy of your credit report from a credit agency. You may be charged a reasonable fee. However, there is no fee, if you have been rejected for credit, employment, insurance, you will receive a free copy of your credit report if you are unemployed and intend to apply for employment within the next 60 days, if you are a welfare assistance beneficiary public, or if you have reason to believe that there is inaccurate information on your credit report due to fraud.
You have the right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits the deceptive practices of credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, errors may occur.
You can, on your own, notify a credit agency in writing that questions the accuracy of the information in your credit file. The credit agency must then re-investigate and modify or eliminate inaccurate or incomplete information. The credit agency cannot charge any fee for this service. Any pertinent information and copies of all documents you have about an error must be submitted to the credit bureau.
If the new investigation by the credit agency does not resolve the dispute to your satisfaction, you can send a brief statement to the credit agency, which will be kept in your file, explaining why you believe the record is inaccurate. The credit agency must include a summary of its statement about the information in dispute with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations.
For more information contact:
The Public Reference Branch Federal Trade Commission Washington, DC 20580 (a) Separate declaration requirement: the written declaration required in this section will be provided as a document that is independent of any written contract or other agreement between the repair organization of Credit and the consumer or any other written material provided to the consumer. (b) Preservation of compliance records - In general - The credit repair organization shall keep a copy of the statement signed by the consumer acknowledging receipt of the statement.
Maintenance for 2 years: the copy of the declaration of any consumer will be kept in the archives of the organization for 2 years after the date on which the consumer signs the declaration.